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Toggle Insurance Review 2024
Lead Writer | Small business, Insurance
Ryan Brady is a lead writer at NerdWallet and authority on small-business lending and insurance. Ryan enjoys simplifying complex finance topics to help small-business owners make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.
Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner. He is based in Fort Myers, Florida.
Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Toggle
2.5
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Offers rideshare insurance for drivers using their car for rideshare or food delivery services.
- Offers pet passenger insurance.
Cons
- Not available in most states.
- Far more than the expected number of complaints to state regulators.
- Few discounts offered.
Toggle
2.5
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Offers rideshare insurance for drivers using their car for rideshare or food delivery services.
- Offers pet passenger insurance.
Cons
- Not available in most states.
- Far more than the expected number of complaints to state regulators.
- Few discounts offered.
Toggle, formerly known as 21st Century earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Toggle is a small subsidiary of Farmers Insurance and currently offers auto insurance policies in Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin. It does most of its business online and over the phone, so Toggle is best for people who are fine with not having a personal agent.
» MORE: The best car insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Current Product
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NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 2.5 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 3.5 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 3.5 /5 |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Close to expected |
Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Below average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Very few discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts |
Bottom line Toggle sells customizable auto insurance policies in several states. | Bottom line American National sells a variety of policies, including auto and life, which means you can easily save by bundling multiple products. | Bottom line Safeco auto policies offer some unique features, such as accident forgiveness, but falls short in customer service. |
Toggle auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Toggle offers basic auto policies with the following add-on options:
Pet passenger insurance pays up to $1,000 in vet and other pet-related expenses if you're in a car accident while your pet is in your vehicle.
Rideshare insurance extends your personal car insurance policy to also cover your car while you're using it for ridesharing or food delivery.
Temporary ride coverage pays a $30 to $50 daily stipend in the event that your car is out of commission.
New car replacement coverage pays for a new car of the same make and model if your car is less than two years old, has fewer than 24,000 miles and is totaled in an accident.
» MORE: Compare auto insurance rates
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Auto insurance discounts
You may be able to save on your Toggle auto insurance policy by:
Owning a home.
Meeting Toggle's standards for being a good student.
Having no accidents or claims on your record.
Driving a car with an Automatic Emergency Braking system.
Having multiple Toggle policies.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Complaints
Toggle had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Toggle auto insurance
Website: Toggle has a user-friendly website that lets you get a quote online within minutes, pay premiums, view your insurance ID card and file claims. If you need help, you can reach customer service at 855-864-1530, or chat with a representative from 9 a.m. to 10 p.m. ET Monday through Friday and 10 a.m. to 9 p.m. ET Saturday.
Toggle's website also has a blog with articles that explain how insurance works, and a page that provides shopping discounts to various partner brands.
Other insurance from Toggle
Toggle sells renters insurance in most states and offers home insurance in Arizona, Arkansas, Illinois, New Mexico, Oklahoma, Oregon, Pennsylvania, Tennessee and Wisconsin.
Toggle's parent company, Farmers, offers car insurance in most states, as well as most other types of coverage.
To learn more, check out our other Farmers reviews:
You can get a quote online by visiting Toggle's website.
Toggle sells auto insurance in Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin.
To file a claim, complete the form online or call the claims department at 1-855-864-1530.
You can get a quote online by visiting Toggle's website.
Toggle sells auto insurance in Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin.
To file a claim, complete the form online or call the claims department at 1-855-864-1530.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
In this review . . .